IVF Funding: What You Need to Know

Clarity in a sensitive situation

When facing infertility, the emotional toll is often accompanied by financial stress. Many couples ask: “How much does IVF cost?” or “What does my insurance cover – and are there any public grants available?”

This article offers a comprehensive overview of treatment costs, insurance reimbursement, and public funding opportunities in Saxony – clear, transparent, and solution-oriented.

How Much Does IVF Cost?

Realistic figures – tailored to your medical needs

The cost of fertility treatment depends on the method used, your individual medical condition, and how the treatment progresses. Approximate average costs per attempt:

• Insemination (IUI): ~ €300
• In vitro fertilisation (IVF): ~ €3,200–3,600
• Intracytoplasmic sperm injection (ICSI): ~ €4,500–5,000
• Cryopreservation / Embryo transfer: ~ €300 / €800

Additional costs may include medications, diagnostics, blood tests, or semen analysis. Especially when multiple cycles are required, expenses can quickly add up.

Will My Health Insurance Cover the Costs?

Statutory Health Insurance – Requirements & Benefits

Public insurance providers in Germany subsidise fertility treatment if the following conditions are met:

• The couple is legally married
• Both partners are at least 25 years old
• The woman is under 40, the man under 50
• An official fertility diagnosis is documented
• A medical treatment plan is submitted and approved in advance

What’s covered:

• Up to 50% of treatment costs (some insurers offer more)
• A maximum of three IVF or ICSI attempts per couple
• Partial coverage of medications and preliminary diagnostics

💡 Tip: Some insurance providers offer enhanced reimbursement plans or additional cycles – comparison pays off.

IVF Funding with Private Health Insurance

Private insurers in Germany often reimburse a larger share of costs – sometimes up to 100%, depending on the contract and medical indication.

Important:

• Requirements vary by contract
• Medical necessity must be confirmed
• Always request written confirmation before starting treatment

Public IVF Funding in Saxony

State support for fertility patients

In addition to health insurance, couples in Saxony may benefit from public funding programmes aimed at reducing financial burden and increasing the chance of pregnancy.

Saxony Funding Programme (2024):

• Up to 50% of the personal contribution (costs remaining after insurance reimbursement)
• Support for up to four IVF/ICSI cycles
• Unmarried couples also eligible in many cases (after legislative updates)
• Application must be submitted before treatment begins to the “Kommunaler Sozialverband Sachsen” (KSV)

📄 Note: Funding approval is required before starting treatment.

IVF Treatment Costs – Why Prices Vary

The cost of IVF at fertility clinics (such as Kinderwunschzentrum Dresden) depends on several factors:

• Type of treatment (IUI, IVF, ICSI)
• Number of cycles needed
• Required diagnostics and medications
• Add-ons like cryopreservation, time-lapse monitoring, or PICSI

We prioritise cost transparency and individual counselling: During your initial consultation, we’ll provide a detailed cost breakdown for your insurance or funding application.

What Does the Cost Clarification Process Look Like?

1. Medical evaluation – to confirm necessity of treatment
2. Treatment plan – prepared by your doctor, includes method and cost
3. Insurance submission – apply for coverage
4. Funding request – if eligible, submit to the “Kommunaler Sozialverband Sachsen” (KSV)
5. Treatment start – after approval from both insurer and funding body

When Should You Book a Cost Consultation?

It’s time to talk if you...

• Are thinking about fertility treatment
• Have questions about insurance reimbursement
• Want to know your out-of-pocket costs
• Would like to apply for public IVF funding in Saxony

👉 Book a one-on-one consultation with our team to get answers tailored to your situation.

Frequently Asked Questions (FAQ)

 How much does IVF cost?
 Depending on the method, between €3,000 and €5,000 per cycle. IUI is less expensive (from ~€300), but additional services may increase the cost.

Do insurance providers cover IVF?
 Yes. All public health insurance providers in Germany cover at least 50% under certain conditions. Private insurers often cover significantly more.

 Is IVF funding available in Saxony?
 Yes. The State of Saxony supports couples with up to 50% of their personal share – including unmarried couples.

What’s covered by statutory health insurance?
 Up to 3 IVF/ICSI attempts, partial costs for meds and diagnostics – assuming all eligibility criteria are met.

What costs should I expect at a fertility clinic?
 It varies by diagnosis and treatment path. Kinderwunschzentrum Dresden offers an individualised cost plan, including counselling for insurance and funding.

Next Step: Get a Personal Cost Overview

Would you like to know your exact treatment costs and explore your insurance and funding options?

We’re happy to support you with an individual consultation. Together, we’ll find the best path to your dream of having a child.

👉 Schedule your first consultation via video – discreet and convenient via Doctolib